Loan Misutilisation Causes Risks and Impact on Default By Arghya Roy
Автор: Rural and Micro Finance Learning Hub
Загружено: 2026-02-19
Просмотров: 9
Описание:
In this video, we explain Loan Misutilisation and how it increases default risk in the banking system. Loan misutilisation happens when borrowers use funds for purposes other than those approved by the lender, leading to cash flow problems and higher NPAs.
We cover four major causes:
Productive loans used for consumption
Inadequate monitoring by lenders
Financial illiteracy
Poor credit appraisal
With practical examples from MSMEs, agriculture, and microfinance, this video helps you understand how weak supervision and poor financial planning contribute to loan defaults.
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